Purchase and first-time buyers
Where to start, what to gather and how the pieces fit together.
Buying a first home brings several decisions at once: how much to put down, which loan type fits, and what the monthly payment looks like once taxes and insurance are included.
The first conversation with Sapan puts those decisions in order, so each one is made with the others in view.
Good to know
- Down payment requirements differ by loan type, and some programs allow a smaller down payment than buyers often assume.
- Many states and localities run down payment assistance programs. Availability depends on location, income and each program's rules.
- A pre-approval follows a review of income, assets and credit. It is not a commitment to lend.
Questions to bring to Sapan
- How much cash should I plan for beyond the down payment?
- Which loan types should I compare for my situation?
- What documents will I need, and when?
Program availability, terms and eligibility are confirmed with Sapan against current Secure Choice Lending guidelines and the states where he is licensed.